Senior independent loss adjusting for South Africa's most complex claims.
Multidisciplinary loss adjusters supported by ECSA-registered engineers — delivering defensible, evidence-led recommendations on property, engineering and liability claims nationally.
Independent loss adjusting built for complex risk.
NKH Advisory's loss adjusting practice combines deep insurance experience with on-staff engineering capability. We investigate cause, apply policy, quantify loss and deliver clear, defensible recommendations — from single-asset claims to multi-site CAT portfolios.
What we deliver
Property loss adjusting
Commercial, industrial, residential and public-sector first-party property claims.
Engineering loss adjusting
Electrical, civil and mechanical losses requiring ECSA-registered engineering input.
Business interruption
Indemnity period analysis, gross profit calculation and quantum substantiation.
Public liability
Third-party bodily injury and property damage claims, occupier liability and negligence.
Plant, machinery & marine
Equipment breakdown, contractors' all risks and marine cargo.
SASRIA & CAT claims
Civil unrest, riot, strike, terrorism and natural catastrophe losses at scale.
Our process
Appointment
Conflict check, scope confirmation and senior claims consultant allocation within hours.
Investigation
Site survey, document review, engineering analysis and policy application.
Quantification
Independent scope and cost; benchmarking against current market rates.
Recommendation
Defensible final report supporting insurer settlement or further action.
Trusted by insurers, SOEs, municipalities and major corporates across South Africa.
- Short-term insurers & reinsurers
- Lloyd's syndicates & global markets
- Insurance brokers & MGAs
- State-owned enterprises
- Municipalities & metros
- Corporates with self-insured retentions
Frequently asked questions
What does a loss adjuster do?+
A loss adjuster independently investigates an insurance claim — establishing cause, scope, coverage application and quantum — and provides the insurer with a defensible recommendation on settlement or repudiation.
What types of claims do NKH loss adjusters handle?+
Property, engineering, public liability, business interruption, plant and machinery, marine cargo, equipment breakdown and complex multi-peril losses — including SASRIA-coded matters and CAT events.
How experienced is the NKH adjusting team?+
Our senior claims consultants bring 60+ years of combined experience, each with 20+ years individually, supported by ECSA-registered electrical, civil and mechanical engineers under one roof.
Can you adjust large or complex commercial losses?+
Yes. NKH is purpose-built for high-value and technically complex losses where independent engineering input materially affects the outcome.
Where do NKH loss adjusters operate?+
Permanent offices in Johannesburg and Durban with countrywide deployment for CAT response and individual instructions across all nine provinces.
Need loss adjusting support?
Speak to a senior claims consultant — countrywide deployment from Johannesburg and Durban.